01 — Florida FHA, statewide

FLORIDA.
FHA.
NO RUNAROUND.

Low 3.5% down. Real humans who pick up the phone. Plain-English answers and fast pre-approval across all 67 Florida counties — from the Panhandle to the Keys.

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Florida beach at sunset with orange and magenta sky Your Florida home — sooner
3.5%
Minimum down payment
580+
FICO scores welcome
67
Florida counties served

02 — How it works

Three steps. No mystery.

STEP 01

Tell Us
The Basics

Answer a few quick questions about your goals, credit, and target city. No credit pull, no obligation.

STEP 02

Get
Matched

Joe Pistone & Team review your FHA eligibility and reach out within one business hour with real options.

STEP 03

Close
The Deal

Pre-approval letters in 24–48 hours so you can make competitive offers and close — even fully remote.

03 — Where we lend

Florida Cities

Miami↗Orlando↗Tampa↗Jacksonville↗St. Petersburg↗Fort Lauderdale↗Cape Coral↗Fort Myers↗Naples↗West Palm Beach↗Port St. Lucie↗Pensacola↗Tallahassee↗Gainesville↗Daytona Beach↗

04 — The team behind the file

Joe Pistone, Florida FHA loan officer

“You qualify for FHA. Let's talk.”

Joe Pistone & Team know Florida real estate. As loan officers at CrossCountry Mortgage with experience across the state's most competitive markets — from South Florida to the Gulf Coast — they've helped hundreds of buyers navigate FHA, VA, and first-time buyer programs.

When you reach out, you're not routed to a call center. You get a direct number, a response within the hour, and a team that stays with your file from application to closing day.

Joe Pistone & Team · CrossCountry Mortgage · NMLS# 2087918

05 — Straight answers

FAQ

What are the FHA loan limits in Florida for 2026?
FHA loan limits vary by Florida county. Most counties follow the national floor, while higher-cost metros like Miami-Dade and Monroe carry higher ceilings. Joe Pistone & Team confirm the exact 2026 limit for your target county before you make an offer.
Is Florida a good state to use an FHA loan?
Yes. With low 3.5% down payments, flexible credit guidelines, and strong demand from out-of-state buyers, FHA is one of the most-used loan programs across Florida's competitive markets. It also allows your down payment to come from gift funds, savings, or other compliant sources.
Can I use an FHA loan to buy a condo in Florida?
Yes, but the condo community must be on HUD's approved list. Many Florida developments are FHA-approved — not all. Joe Pistone & Team check approval status immediately and can suggest approved alternatives or assist with the approval process.
I'm moving to Florida from another state — can the team help?
Absolutely. Joe Pistone & Team handle the entire process remotely. Get pre-approved from home, make offers before you arrive, and close digitally — all 67 Florida counties covered.
What's the difference between FHA and conventional in Florida's market?
FHA allows lower credit scores and a 3.5% down payment, making it ideal for first-time and credit-rebuilding buyers. Conventional can be cheaper at higher credit tiers. Joe Pistone & Team run both side by side so you choose with real numbers.
Where can my FHA down payment come from in Florida?
FHA allows your down payment to come from several compliant sources: personal savings, gift funds from an approved donor, retirement account withdrawals, or proceeds from an asset sale. Joe Pistone & Team help you document whichever source fits your situation so underwriting goes smoothly.

06 — Two-minute match

Find Your
Florida FHA Match.

Nineteen quick questions, then verify your phone. Joe Pistone & Team text back within the hour with real numbers, real options, no credit pull.

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Ready To Buy
In Florida?

No credit pull · No obligation · Response within one business hour

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